Wed, Apr 30, 6:18 PM (11 days ago)
**Capital City Bank Group, Inc. (CCBG, Ticker: CCBG) Q1 2025 Financial Summary** **Financial Health & Performance:** - **Revenue:** $49.8 million (up 6.6% YoY) - **Net Income:** $16.9 million (up 34.5% YoY) - **EPS:** $0.99 (up 33.8% YoY) - **ROA:** 1.58% (up 29.7% YoY) - **ROE:** 13.32% (up 22.1% YoY) - **NIM:** 4.22% (up 5.1% YoY) **Profit Margins:** - **Net Interest Margin:** 4.22% (up 5.1% YoY) - **Efficiency Ratio:** 62.93% (down 11.2% YoY) **Cash Flow:** - **Net Cash Provided by Operating Activities:** $21.9 million (up 49.4% YoY) **Earnings Changes:** - **Provision for Credit Losses:** $0.8 million (down 12.2% YoY) - **Net Charge-Offs:** $0.1 million (down 55.6% YoY) **Quarterly Performance:** - **Loans Held for Investment:** $2.7 billion (down 2.6% YoY) - **Deposits:** $3.8 billion (up 3.5% YoY) - **Nonperforming Assets:** $4.4 million (down 35.3% YoY) **Trends & Uncertainties:** - **Positive Trends:** Increased net interest income, higher deposits, improved asset quality. - **Uncertainties:** Interest rate fluctuations, economic conditions, regulatory changes. **Future Operations Impact:** - **Capital Expenditures:** $10.0 million expected over the next 12 months. - **Liquidity:** $1.54 billion available through various sources. - **Capital Ratios:** All regulatory capital ratios exceed "well-capitalized" thresholds. **Amendments (if any):** - *None mentioned in the provided text.* **Note:** Amounts are usually in thousands, 000s. This summary is based on the provided text and does not include all information from the original document.